Insurance companies like to hold back contractor's overhead and profit when they pay out on homeowners' insurance claims. That helps to make insurance work a tough business, and it can mean that owners don't get full satisfaction after an occurrence of loss. A recent court decision in Florida could change the playing field, Remodeling reports ("Game Change for Insurance Work," by Jim Cory).

"Though the ruling involves a homeowner rather than a restoration contractor," Remodeling reports, "the implications are clear when it comes to how reconstruction jobs are priced and paid for by adjusters and the insurance companies they work for. If a general contractor's services are needed, profit and overhead are part of the cost." Although the court has jurisdiction only in Florida, some observers think the ruling could influence insurance work in other states as well.